COPAL ASSET FINANCE LTD

🌳Matureactive
08426093 · ltd · incorporated 2013-03-01
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
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Turnover
—
year to May 2025
Net worth
£30.2k
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 77110Renting and leasing of cars and light motor vehicles
  • 77120Renting and leasing of trucks and other heavy vehicles
  • 77320Renting and leasing of construction and civil engineering machinery and equipment
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 79/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (71/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 4 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
Confirmed no charges registered
85
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
39 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £30,187

Key financials

1 year extracted from filed iXBRL accounts
Cash
£11k
Net Worth
£30k
Current Assets
£11k
Current Liabilities
—

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-05-31
Total assets£30.2k
Current assets£11.0k
Cash£11.0k
Debtors£77
Net assets£30.2k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

1 signal detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.

Available from the Pro tier upwards.

See pricing →

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
  1. 2026-02-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-10-22
    📄
    change-account-reference-date-company-current-shortened
    accounts · AA01
  3. 2024-10-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-01-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-03-06
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2022-08-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-02-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2020-10-12
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  9. 2020-09-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2020-01-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2019-07-16
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2019-02-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2018-03-05
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2018-03-05
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  15. 2018-03-05
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  16. 2018-02-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2013-03-01
    🏢
    Company incorporated
    As COPAL ASSET FINANCE LTD
  18. 2013-03-01
    ➕
    ABIDI, Nasreen appointed
    secretary
  19. 2013-03-01
    ➕
    ABIDI, Nasreen appointed
    director
  20. 2013-03-01
    ➕
    HADI, Rasheed appointed
    director

Owner dependency

66/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.

Succession & seller-readiness

59/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 13 years.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Rasheed Hadi
Individual · British · DOB 02/1967 · age 59
50–75%
50–75%board control50-75% shares · 50-75% voting · board control06/04/2016
Mrs Nasreen Abidi
Individual · British · DOB 03/1971 · age 55
25–50%
25–50%board control25-50% shares · 25-50% voting · board control01/06/2017

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

🔒Co-director network graph

Radial SVG graph showing every company connected via shared directors, colour-coded by status.

Available from the Pro tier upwards.

See pricing →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.

Available from the Pro tier upwards.

See pricing →
🔒Advanced scoring suite

Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.

Available from the Pro tier upwards.

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Company details

Statusactive
Typeltd
Incorporated2013-03-01
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

Room 26 - Sbc House
Restmor Way
Wallington
SM6 7AH
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-05-31
Confirmation statement
Next due: 2027-03-15
Last: 2026-03-01

Officers (3 active · 0 resigned)

ABIDI, Nasreen→
secretary · appointed 2013-03-01
View their other companies + combined net worth →
Active
ABIDI, Nasreen→
director · ~55y · appointed 2013-03-01
View their other companies + combined net worth →
Active
HADI, Rasheed→
director · ~59y · appointed 2013-03-01
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Recent filings (39 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-24
change-account-reference-date-company-current-shortened
accounts · AA01
2025-10-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-24
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-03-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-09
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-10-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-15